Tools – New Homeowner’s Starter Kit

OK, I bought a house – now what?  The new homeowner’s starter tool kit.

You’re a smart kid.

You got a good job.

You saved a little money and now you’ve gone and made one of those really significant big-kid moves – you bought a house. Congratulations. Welcome to the exciting world of home ownership.

Along with the keys that they handed you at the closing, they should have given you a copy of the Owner’s Manual. What? They didn’t hand you a leather-bound volume with gilt lettering that says “Everything You’ll Ever Need to Know about Your House?”  Bummer!

Alright; don’t panic. We can get through this.

Even if your house is brandy-spankin’ new, you’re going to learn pretty quickly that:

  1. There’s still stuff you need to add to it
  2. Some of the stuff that’s already there, you’re going to want to change
  3. Sooner or later all this stuff is going to break

For any one of these three eventualities you’re going to need:

  1. A creative solution
  2. A budget
  3. The right tools

I can help you with #3.

Here’s a list of the basic tools you are going to need to be a homeowner. This is not an exhaustive list – in fact there’s no such thing as an exhaustive list. That’s because there is such a thing as having “the right tool for the job.” And there are some very specialized tools for very particular jobs. There are, for example, such things as a garbage disposal wrench, a tile grout grinder and a Japanese flush-cutting cabinetry saw. But you’re not going to worry about those things until you actually tackle those specific jobs. (“Mom” and I generally establish a small wager at the beginning of any project on how many trips to the hardware store that project will require for the acquisition of new tools.)  Also, your friends at Home Depot, Lowe’s and Sears have made their stockholders very happy by continually inventing new tools that you never knew you needed; or they improve on the tools you already have. Oooo! An adjustable solar-powered socket wrench with laser-guided nut calibrator!!! I don’t have one of those!!

Hand Tools

  • Screwdrivers – one “Phillips” (x-tipped); one straight blade (normal) – you can get one of the fancy ones that has one handle and several interchangeable tips.
    screwdriver
  • Hammer – If you don’t know what a hammer is, you need to stop reading right now and go sell your house.
  • Adjustable crescent wrench – get a little one and a big one to cover a wide range of nut sizes.
    crescent wrench
  • Saws – a wood saw (for cutting, not made of) and a hacksaw (cuts metal)
    wood sawhacksaw
  • Pliers – a couple different sizes would be helpful here too; regular old slip-joint pliers and maybe a pair of “channel lock” pipe pliers (adjusts to grab really big things)

Pliers_2

  • Tape measure – it’s a tape that measures. Get a 25-footer. Don’t worry, it will fit in the car; it’s retractable.
    tape measure
  • Level – lets you know when things are…you know…level. Get one that’s 18-24 inches long. Don’t settle for a “torpedo” level; that has more specific uses.

level

  • Razer Knife – cuts stuff
    razer knife 2
  • Pencil – this is one you might already have.

Power Tools

  • Electric Drill – cordless or corded, variable speed, reversible – and a set of drill bits. You’d be surprised how many times you’ll need to put a hole in something. Also works as a high-speed screwdriver.
  • Flashlight – that’s right, a flashlight is a tool and you’ve got a lot of dark places in that new house of yours.

Outdoor Tools – if your house came with a yard, you’re going to need some things to keep it from becoming a jungle that your neighbors will complain about.

  • Lawnmower – makes tall grass into short grass
  • Wheel Barrow – for wheeling stuff around that’s too heavy or messy to carry with your hands
  • Leaf rake – for raking – you guessed it – leaves. It’s a big wide thing made of plastic, or better yet, bamboo.
    leaf rake
  • Spring rake – smaller, spring-steel tines for raking everything other than leaves
    spring rake
  • Iron rake – looks like a comb on a stick; for raking dirt and rocks
    iron rake
  • Spade – a pointy shovel for digging into stuff that doesn’t want to be disturbed
    spade
  • Shovel – a straight-edged shovel for scooping stuff that’s already on your driveway, patio, deck, garage or other flat place (hopefully not your kitchen)
    shovel
  • Pruning shears – for cutting stems and small branches
    pruning shears
  • Lopping shears – for cutting larger branches and small fingers
    lopping shears
  • Hedge clippers – only if you have shrubs that need to be sculpted uniformly
    hedge shears

With these basic tools you can start to tackle some of the jobs that are going to come up. You can get these things in any hardware store. You can also hit yard sales, flea markets, consignment stores and the like. But don’t cheap out! Poorly made tools (dull blades, sloppy manufacturing or low-grade materials) can be inaccurate, frustrating and downright dangerous. A good quality tool will last you a lifetime.

Alright, now go build something!

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What’s the deal with bark mulch?

The deal with bark mulch is that it’s part of a worldwide yard-care conspiracy. Resistance is futile, so you need to figure out how you’re going to deal.

We strive to have perfect lawns; nice and green and trimmed all summer long. We like our lawns to be single-species environments – to be grass, all grass, and nothing but grass, even though grass, as a species, does not do well on its own. It does not return to the soil the nutrients needed for its own growth. So if you try to grow nothing but grass, sooner or later it gets really tired. Then you have to add nutrients. The Scott’s fertilizer people don’t tell you that it’s silly to grow just grass, because they want to sell you products to spread on your lawn which put the nutrients back. Your lawn would be happier if you were willing to let the clover grow interspersed with the grass. They are symbiotic – they feed each other. The Scotts people also want to sell you products to kill the clover, so don’t expect that explanation from them either.

Same deal with our planting beds. We strive to keep them clean and tidy of everything but the specific plants we want to see there. But that pesky nature thing is happening there too. Plants we don’t want in our planting beds are forever trying to grow there. Why? Little plants don’t care about big plants, just other little plants.  So there’s this nice open space without much competition from other little plants. They’re going to go for it. When they do, we call them weeds.

Basically a weed is anything growing where we don’t want it to grow. All those little plants that want to grow next to your rhododendron shrub are weeds. No matter how pretty they might be; they’re weeds. This leads us to the ultimate yard-care paradox. In your lawn, grass is to be loved and tended and encouraged. But in your planting bed – just inches away from your lawn – grass is a weed. Go figure.

Bark mulch is material you put around the big plants in your planting bed for three reasons:

  1. You hope, in vain, that it will keep little unwanted plants (a.k.a. weeds) from growing.
  2. An extra layer of fibrous absorbent material will hold moisture and keep the big plants happy.
  3. It looks so nice and tidy from the sidewalk.

Of these three jobs, wood mulch is really good at #3, pretty good at #2, and consistently disappointing at #1. That’s because weeds grow from seeds which are either already in the soil just waiting for an opportunity to germinate; or they will be deposited by wind, gravity or critters. Mulch will do a pretty good job of convincing the extant seeds that their opportunity to germinate has not arrived. But it’s fairly impotent against newcomers; to them, your mulch is just another growing medium waiting to be exploited.

Bark mulch used to be made of tree bark; not anymore. There’s not enough tree bark to go around, so they use wood pulp – probably the by-product of some lumbering process. It’s chopped up pretty finely and tinted in a variety of colors to be perfectly uniform.

You’ll want to spread the mulch at least a couple inches thick (three would be better) everywhere you want any of the three things listed above to be happening. Ta-Da! You’ve got a really nice looking planting bed.

How much to get? – Now there’s a really good question. For the geometry majors among you this will be really easy. All you need to do is calculate the area of the beds you want covered, multiply that by three inches and you’ve got the total volume needed. You can get mulch by the bag at your local gardening center, or you can get it delivered by a friendly man in a big truck by the cubic yard. If you figure you’re going to need three yards or more, call the friendly man with the truck. If you are not up for calculating the cubic footage of anything other than a square box (which your beds probably are not), the man with the truck will often have a website with a calculator to help you figure out your needs – though you’re still going to need a rough idea of the area to be covered.

How often do I need to go through this exercise? You can go several years between applications, but if you’re big on #3 above, you’re going to be doing it every couple of years. Like any other wood product, as soon as it is exposed to water, warmth, air and wee-beasties, it’s going to start to decompose – it’s going to become dirt. Furthermore, that pretty color the wood was tinted to make it nice and uniform, will fade, wash off, wear off or otherwise go away. The mulch is also going to move around. If you get a good rain it’s going to try to float away (hey, it’s wood remember). This is especially true on steep embankments.

There are alternatives to wood mulch. There’s rubber mulch made from recycled tires and there are rocks. The rubber stuff does not look very natural and it’s wicked expensive. It probably does fairly well at jobs 1 and 3, but it’s not going to be good at holding moisture. And who knows what chemicals it might be leaching into your soil. I’m not a fan. Like rubber, rocks are going to attempt jobs 1 and 3, but they are not known for their water absorbency. Both of these should last a lot longer than wood.

There you go. There are some important things to think about in the big beautiful world of yard maintenance – or maybe the whole topic is mulch ado about nothing.              Sorry.

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Is Social Security a Ponzi scheme?

Is Rick Perry right or just looking for attention?

Hi Dad,
I’ve seen Rick Perry stating that Social Security is a Ponzi scheme.  I’m hesitant to buy into that view.  Slate Magazine put out an article examining – What would happen if we stopped Social Security right now.  
What do you think of Rick Perry’s statement?  Do you think we should get rid of Social Security?

 

image.jpeg

Cartoon courtesy of: Nate Beeler, The Washington Examiner, Washington, D.C.

 

Dear Daughter:
This cartoon appeared in the Sunday paper yesterday. It pretty much illustrates the reality of the situation. Perry needed a sound bite and he got it. 

The Truth about Social Security

The truth is more like the statement on the left. The Social Security funding methodology was developed at a time when the workforce was young and growing; where the population at work outnumbered the population in retirement. There would always be enough workers paying in to cover the blueheads drawing out. Now, of course, we have a burgeoning baby-boom generation that will (at the current pace) suck the system dry faster than you kids can replenish it.

The problem with Social Security in 2011

The problem (aside from the upside-down funding) is the expectation that Social Security will provide your average worker with a quit-and-go-fishin’ retirement. It wasn’t intended to do that and it can’t. It’s a safety net; a supplement; that’s all.
Back in the 80s, two things happened that make this all the worse. A change in the Financial Accounting Standards Board (FASB) rules required companies to fully fund their qualified pension plans. That made it a lot more expensive for employers to maintain traditional Defined Benefit plans. DB plans are the ones that provide a worker with a guaranteed annuity at retirement. They also put all the investment risk on the plan sponsor (the employer). Second, a financial advisor looking for an advantage for his client discovered an ignored chunk of the Internal Revenue Code in section 401, subsection (k). It’s a nice little tool that allows an employee to set money aside on a pre-tax basis to save for retirement. Only problem is, it’s too easy to get at your money out before retirement and all the investment risk is on the participant (that’s you) not on the employer. End result – employers are shutting down their pension plans and shifting the responsibility of your retirement back on you.
Oh, your question.

Inflammatory silliness

Yeah, Perry’s Ponzi Scheme comment is just inflammatory silliness. You will get a benefit from Social Security. You will likely have to pay more for it and wait longer for it. You should support federal level politicians who understand finance and who talk about restructuring Social Security funding to a system where YOU get out what YOU put in. There should be a cap on income that is replaced, but no limit on income that is taxed.
And don’t stop contributing to your 401(k).
Love,
Dad

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Steak for the cookware-impaired

In my Dad’s last post he very adamant about using a cast iron skillet.  However, since cast iron isn’t part of the young apartment dwellers’ basic collection, I needed a revised recipe.  Dad told me this when I called him confused with a package of ribeye in my hand:

1) Heat butter in the best skillet you have.  The hotter the pan gets, the better.

2) Sear the ribeye for 30 seconds on each side, which locks in the juice.

3) Broil the ribeye for 4 minutes on each side.

Ribeye

My Ribeye

4) Let it stand 10 minutes so the fat settles.

It turned out great!  I felt like next Gordan Ramsey!

Take a look at how scrumptious it turned out.

Thanks Dad🙂  Great Advice.

 

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The Very Best Steak I Ever Prepared

Dear Dad,

I love steak!  Right out of school, steak was just too much of a luxury.  But now I’m ready to make myself a good juicy steak (on a budget, of course).  I get a bit overwhelmed standing in the supermarket seeing the display of all the different cuts and sizes.  I’m just as lost choosing what to cook it with.  Do you have suggestions or recipes for the non-cooking meat-lover?

How to make the BEST steak

Let’s be honest here, not everybody likes steak. And not everybody likes the same cut of steak. Your Uncle Eric who, as you are aware, knows his way around a slab of protein, is very fond of _____ steak. Your Uncle Lenny is a sirloin steak lover from way back. Your mother and I were die hard filet mignon fans until we discovered….

Ribeye.

Ribeye

Ribeye Cut

I happened to be watching reruns of “Good Eats” with Alton Brown. As it turns out, it was his very first show and he was handling something very very basic – steak. His method was unexpected, which I have come to learn is what you should expect from Mr. Brown. But his results turned out to be dead-on.

First, the equipment. You won’t need your grill, barbecue pit, smoker or broiler. You will need an oven and a cast iron skillet. It’s is critical that it be a cast iron skillet – not some stainless steel hand-me-down that your mother gave you. And not a bright orange, plastic handled, non-stick egg tosser that you got at Home Goods. No. This needs to be a serious, old fashioned cast iron skillet. Why? Well first of all, you’re going to be putting it in a really hot oven. Any of those wimpier fry pans are going to melt or lose parts. Second, you want an implement that will retain heat and there is nothing like a chunk of cast iron for that.

Second, you need a decent oven. Not a microwave; not a toaster oven. A real oven. Because you’re going to crank that baby up to 500 degrees and keep it there.

 The Cut

Next, the cut. I don’t know where the ribeye steak comes from – somewhere between the rib and the eye, I suspect. But I really don’t care. For me, it comes from the meat counter at the supermarket. You want one that approaches two inches thick. You’ll probably find something already cut between an inch and an inch and a half. That works too, but on special occasions (which buying a nice ribeye it would have to be – $$$$$$) you can ask the butcher guy to cut you a nice thick one.

Other ingredients: butter, salt.

No – not margarine young lady – butter. And make that kosher salt.

And you’ll want some serious oven mitts.

OK, here we go.

1)    Take the steak out of the fridge long enough in advance so that it will be at room temperature when you cook it.

2)    Sprinkle the steak on both sides with some kosher salt. Why? I don’t know. Alton says so.

3)    Put your seasoned cast iron skillet (that’s not herbs and spices, that’s a proper preparation for cast iron cookware – watch this) in the oven and turn up to 500 degrees F.  That’s right, the skillet pre-heats with the oven.

4)    Once you are up to heat. Turn on the biggest burner you have to high. If it’s electric, you have to wait for that to get up to heat as well.

5)    When everything is hot, pull the wicked hot skillet out of the oven and put it on the wicked hot burner. The idea is to keep everthing wicked hot.

6)    Put a big chuck of butter (like 1 inch off a stick) into the skillet. It’s going to melt lickety split and start to brown. As soon as it is melted.

7)    Put the steak in the skillet to seer for EXACTLY 30 seconds. This is where things start to get smoky. That’s just the way it’s going to be.

8)    Flip the steak over and seer the other side for EXACTLY 30 seconds.

9)    At the end of the 2nd 30 seconds, move the skillet and steak to the 500 degree oven. Leave it there for 4 minutes (for a two inch thick steak, 3 minutes for 1.5, etc.)

10) At the 4 minute mark, flip the steak over and do another 4 minutes on the other side.

11) At the end of the 2nd four minutes. Take it all out. Remove the steak to a plate, cover with foil and don’t touch it for 10 minutes. During this time, you must properly clean your skillet, sautée some asparagus, and pour yourself a nice cold glass of whatever you like to drink with steak.

If you want to get extra fancy, you can make in advance some herb butter to go on your steak, but that’s optional. This is the best steak you will ever have.


 

 

 

 

 

 

 

 

 

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Insurance for the Young and Unemployed

Help! I’m unemployed. Can I still keep health insurance?

Hi Dad,
As you know, I’ve recently been laid off.  I’m really worried about health insurance because the government Cobra plan seems expensive.  Since I’m under 26, is there anything else I can do?  If so, could you walk me through the general process?

 

Dear Daughter,

You are certainly not alone in your predicament and you are fortunate (though you may not feel it) to have options that would not have been open to you a generation ago – or even a year ago.

COBRA: Consolidated Omnibus Reconciliation Act of 1985

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) mandates, among other things, that workers have the ability to continue medical insurance coverage after they leave employment. This is a vast improvement over the previous situation, in which once you left your employer, you also left your group insurance and you were on your own.  And while it was an improvement for many people, it provides only that coverage be available, not that it be reasonably priced. For most people, not only do they have to pay what they previously contributed as an employee, they also have to pay whatever their employer contributed (which can vary widely). Plus, the may need to pay up to 2% more than the coverage to cover administrative costs. The idea was that you could stay in the group plan but you wouldn’t incur any cost for your former employer.

Getting coverage at a group rate is way better than having to buy individual coverage, but boy that 102% can still taste bitter.

Obama – Care: Patient Protection and Afforable Care Act of 2010

Now, the Patient Protection and Affordable Care Act of 2010 (a.k.a., PPACA, ACA, Health Reform or Obama-care) adds another arrow to your health care survival quiver.

One of its many provisions is that dependents (children) will be permitted to remain on their parents’ insurance plan until their 26th birthday, and regulations implemented under the Act include dependents that no longer live with their parents, are not a dependent on a parent’s tax return, are no longer a student, or are married.

How to change back to your parents’ health insurance.

Regaining coverage under a parent’s plan is not too difficult. The loss of coverage for an eligible covered dependent is a “Qualified Change in Status” which allows for a change in plan coverage that is appropriate to the triggering event. I am allowed to increase the level of coverage (the number of people covered) to include you, but I wouldn’t be allowed to change the medical plan in which I’m enrolled. I just needed to provide proof that you were coming from another plan. That proof comes in the form of a HIPAA (Health Insurance Portability and Accountability Act) Certificate which your old employer is required to provide in pretty short order after your separation. They could also require proof of your age (usually in the form of a birth certificate). Then I just re-enroll through my HR department with you as an added dependent. Easy peasy.

For those that meet the criteria, it can be a significantly lower cost option. In some cases this is just cost shifting without actually making coverage any more available. In your example, the cost of your coverage shifts from you (under COBRA at 102% of premium) to my employer (a self insured company that has to pay claims). In the end, that will increase their overall insurance costs which will be passed on to premium payers – that’s me.

Others may be able to shift from expensive individual plans to their parent’s plans. Still others, who can’t afford an individual plan and who aren’t eligible for COBRA, may have a window of opportunity to get some cheaper coverage – provided Mom and Dad have coverage and they haven’t reached age 26.

Does recent Health Care Reform really help the country in the long run?

If you indulge me one moment of soap-box editorial – this whole thing doesn’t help as many people as you might think and it does absolutely nothing to improve the cost, quality or overall availability of health care. Providing health insurance is not the same as providing health care. It just queues up more paying customers to the insurance companies and does little to relieve the financial burden on anybody.  Americans need to purge themselves of the notion that all it costs to go to the doctor is their $20 co-pay. Only then will they start being smart consumers of health care. And only that will drive prices down.

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Health Care Reform

Reform or Insurance Regulation?

Did I hear you ask, “So Dad, what do you think of the new Health Care Bill passage?”   I’m glad you asked. First let’s start with my rant/opinion/knee-jerk reaction.

First, let’s be clear, this is not health care reform. This is largely health insurance regulation. There is little here that reforms the health care system. There is nothing about malpractice liability, pharmaceutical pass-throughs, Medicare fraud, intermediary administration oversight, emergency room abuse, nursing shortages, hospital malfeasance, medical training or consumer education. It’s all about regulating the big bad insurance companies. Ironically, the bill does not ensure that every American has health care, it tries to ensure that every American has health insurance – that we all are customers (willing or unwilling) of those same demonized insurance companies.

It does nothing to address the cost of health care. That is – why health care cost so much to begin with. I don’t mean why do insurance premiums go up – I mean why does the price charged for an X-ray go up?  Insurance premiums go up because health costs go up. The bill is addressing issues from the consumer end of the equation (users, insurance, coverage loopholes) rather than from the provider end of the equation (technology, supply and demand, profitability).

The difference between “care” and “coverage” is vast. You can have all the insurance in the world, but if there are not adequate facilities and professionals at your disposal, what good is it?  If there are no doctors or hospitals willing to accept your particular insurance carrier’s product, then you are out of luck. It’s true that many 1st world countries have national health care programs. It’s also true that they have huge service backlogs and inferior care. Just having an insurance card in your wallet won’t necessarily get you the care you need.


Where did the votes come from?  Conviction or Duress?


Second, it is quite clear that members of Congress are not voting their conscience; they are voting under duress, under pressure, under coercion and under the influence of backroom deals (e.g., Nebraska and Florida). According to the Rasmussen Reports national telephone poll, taken Friday and Saturday nights, 41% of likely voters favored the health care plan. Fifty-four percent (54%) were opposed. Given that we theoretically have a constitutional representative form of government, one might expect that 54% of Congress would also oppose the bill. That doesn’t seem to be the way it turned out. A scant 50.8% voted in favor. Hardly a mandate.

It is difficult to believe that there wasn’t a single Republican (not all Republicans are conservative, you know) that saw plausible value in this bill. It’s also astounding to see how many democrats jumped the fence (just two weeks ago, Speaker Pelosi admitted she did not have the votes to pass the bill). The notion of party loyalty/arm-twisting flying in the face of personal judgment is very disheartening.


Can we do better?


Third, as a taxpayer and voter, I resent that this bill has been crammed down my throat. It seems quite clear that those in power set a goal to pass a “health care” bill. Not necessarily to pass the best possible health care bill, or the most sensible health care bill, or the most cost effective health care bill – but just to pass a bill.  I have no doubt that the health care system in this country needs miles and miles of improvement, but that is not reason enough to pass whatever bastardized bill can somehow squeak through Congress.  There is no reason that this bulk of change had to be passed in a single ostensibly comprehensive bill other than to enable its proponents to say, “There, we did it.”

In the next post – let’s look at some of the particulars.

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